TRAVEL ABROAD MEDICAL INSURANCE WITH ASSISTANCE FOR CARDHOLDERS WITH INTERNATIONAL BANK CARDS, ISSUED BY CIBANK JSC. SPECIAL CONDITIONS

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1 DZI General Insurance Plc. Sofia Georgi Benkovski str. tel.: 359 (2) , fax: 359 (2) general.ins@dzi.bg TRAVEL ABROAD MEDICAL INSURANCE WITH ASSISTANCE FOR CARDHOLDERS WITH INTERNATIONAL BANK CARDS, ISSUED BY CIBANK JSC. SPECIAL CONDITIONS I. SUBJECT OF INSURANCE According to these Special conditions DZI General Insurance Plc (referred to hereafter as Insurer), against paid by CIBANK JSC. (referred to hereafter as Bank) insurance premium for Travel Abroad Medical Insurance with Assistance for cardholders with valid MasterCard and/or Visa Classic bank cards, shall cover expenses and/or shall render special assistance services, including repatriation of the Insured as a result of an insurance event occurred outside the territory of Republic of Bulgaria. The Insurer shall provide assistance to the Insured person through AXA ASSISTANCE, referred to hereafter as Assistance Company. The Assistance company shall be liable to render assistance services to the Insured or his/hers inheritors in case of an event with result of an accidental death of the Insured or sustained health suffer further to an accident or illness covered by the present Special Conditions, and referred to hereafter as an Insurance event. Insurer applies coverage for every single trip abroad, in case Insured purchased tourist package or part of it (airplane or bus ticket or other means of conveyance, hotel reservation, rent a car or other services), refer to the trip, or in case at least one transaction (cash withdrawal or purchase) has been made with the bank card during the insurance travelling abroad INSURED PERSONS Bulgarian citizens and foreigners, permanently residing in Bulgaria with allowed long-term period of residing, possessing international bank card MasterCard or Visa Classic, issued by the Bank, aged up to 75 years old to the date of insurance contraction and possess a valid credit card issued by CIBANK JSC. II. TERRITORIAL SCOPE The territorial scope of the insurance comprises the whole world, except the territory of the Republic of Bulgaria. III. RISKS COVERED AND COVER LIMITS 3.1. Medical expenses Expenses, related to render of urgent and/or surgical assistance of the Insured; expenses for buying of prescribed medicines; expenses for hospitalization and hospital treatment (except the expenses for prosthesis setting) of the Insured as a result of a sudden acute illness and/or accident. The cover limit for medical expenses is up to EUR Emergency stomatological treatment costs to relieve acute ache as a result of: bodily injury caused by an accident; acute stomatitis for which a precise diagnosis can be put (pulpitis, parodontitis and abscess). The present benefit is subject to the following financial limits: MasterCard Standard, MasterCard Business, VISA Classic - no guarantee MasterCard Gold - EUR Medical transportation and repatriation of the Insured In case of acute illness or bodily injury of the Insured, as a result of accident, requiring hospitalisation, the Insurer will arrange and pay for: Transfer of the Insured into the nearest hospital Or other medical institution more appropriately equipped for the particular Bodily Injury or Illness. The transportation could be done by ambulance (by land or by air) or by scheduled airline Transportation of the Insured to hospital in Bulgaria with necessary medical supervision by scheduled airline to an appropriate hospital or other health care facility near his domicile in Bulgaria, if his medical condition permits such repatriation. The Medical Team and attending physician will determine whether the Insured's medical condition permits repatriation as a regular passenger or whether other arrangements are necessary under the circumstances Repatriation after Treatment Upon the discharge of the Insured from the local hospital where such Insured has been admitted or transferred as provided in p above, the Insurer will arrange and pay for the repatriation of the Insured to Bulgaria as a regular passenger when such travel

2 2 is possible, according to the medical opinion of both the treating physician and the Assistance company's medical team. The Insurer shall make such other arrangements as may be necessary according to the Insured's medical condition and shall pay for such arrangements, if such other arrangements are not covered under the Insured's original return ticket to Bulgaria. The medical expenses are covered up to the moment the insured s health condition corresponds to the medical requirements for repatriation to Bulgaria. These conditions are stipulated from the medical team of the Assistance Company and the treating physician. In case the Insured refuses to be repatriated, the medical expenses are covered up to the amount of the necessary repatriation expenses and the Insured loses his/her right for repatriation or transportation to the hospital in Bulgaria on a later stage Repatriation of Corpse Upon the death of the Insured, the Insurer will make all the necessary arrangements (including any activities necessary to meet official formalities), and will pay for the repatriation of the Insured's body or ashes to the Insured's place of burial in Bulgaria, pointed by the relatives, with the exclusion of funeral and burial expenses. The repatriation expenses shall be unlimited Accidental death If the Insured dies accidentally during the insurance period, the Insurer shall pay to the hairs-atlaw or beneficiaries, the Sum amounting EUR Notification of accidental death must be reported to Assistance Company in the shortest possible time Invalid is the insurance contract with accidental death coverage for person under aged (under 14 years) Permanent total disablement If during the period of Insurance the Insured sustains bodily injury as a result of an accident, the consequences of which have appeared within 12 calendar months from the date of the accident and which have caused permanent total disablement to the Insured, the Insurer shall pay indemnity In case of accident, led to loss of one or more extremities, of one or both eyes, and when such a loss has resulted in disablement, indemnity shall be paid Indemnity for permanent total disablement shall be paid if the same had occurred up to one year after the date of accident The permanent total disablement condition is determined by specialized medical commissions or from the relevant medical authorities abroad The amount of permanent total disablement indemnity is determined as a percentage of the sum insured, which is equal to the percentage of lost disablement, but it will be no more than eur (twenty five thousand) Emergency Visit If the Insured should be hospitalized as a result of a bodily injury or illness for more than 7 (seven) consecutive days, the Insurer will provide and pay for, at the Insured's request, one round-trip ticket ("economy" class, originating from Bulgaria) for any one relative requested by the Insured Return of children left unattended Following the transfer of the Insured as provided for in p.4.2.1, and p.4.2.3, the Insurer shall organize and pay for the return to the country of Permanent residence of any child under the age of 16 (sixteen) years who was travelling with the Insured at the time of occurrence of the insurance event, provided that the original ticket held by the said child is not valid for that purpose Dispatch of medicines In case of medical necessity duly ascertained by the Assistance Company s medical team, the Insurer will dispatch essential medicines duly prescribed to the Insured and locally unavailable or will dispatch equivalent medicines available locally. The costs of such medicines will be borne by the Insured. The transportation of the medicines remains subject in any case to the regulations at the time imposed by the airline companies or any other transportation company Message transmission In case of insurance event, requiring modification of the Insured s trip, Insurer shall transmit all urgent messages to the Insured s family or to his/her professional address Unexpected return Unexpected return to Bulgaria (1) The Insurer will organize and pay for the reasonable supplementary costs resulting from the return scheduled flight (economy class), or train (1st class) of the Insured to Bulgaria in case of serious medical reason or decease of a relative in the country of Permanent Residence if the original ticket held by the Insured cannot be used for such return trip Unexpected return to Bulgaria (2) The Insurer will organize and pay for the reasonable supplementary costs resulting from the return scheduled flight (economy class), or train (1st class) of the Insured to Bulgaria in case of Serious Medical Reason or decease of a member of the Management Board of the Company of the Insured, provided that this latter is also member of the Board of the same company, and that the original ticket held by the Insured cannot be used for such return trip Unexpected return to Bulgaria (3)

3 3 The Insurer will organize and pay for the reasonable supplementary costs resulting from the return scheduled flight (economy class), or train (1st class) of the Insured to Bulgaria in case of serious damage at the Insured s home and or company (fire, water damage, rubbery), provided he is member of the Board of the same company, and that the original ticket held by him cannot be used for such return trip Flight Delay If a departure of the Insured confirmed scheduled flight from any airport is delayed for six (06) hours or more, or cancelled, or the Insured is denied boarding of the aircraft due to overbooking, and no alternative transportation is made available to the Insured within six (06) hours of the scheduled departure time of such flight, the Insurer will indemnify the beneficiary for sundry expenses prior to actual departure, up to EUR Retrieval of Luggage In the event of loss or misrouting of the Insured s luggage by a common carrier, the Insurer will liaise with the relevant entity, such as an airline company, and will organize the dispatch of such luggage, if recovered, to a place where the Insured is staying Loss of Registered luggage If the Insured s accompanied checked-in luggage has not been delivered to him within forty eight (48) hours of the Insured s arrival at the scheduled destination point of his flight, the Insurer will indemnify the Insured up to EUR 500 based on a indemnification of twenty EUR 20 per kilo and for a maximum of twenty kilos (25 kg.) for charges incurred within a further forty eight (48) hours in respect of the emergency purchase of essential clothing and toiletries Legal Assistance In case of an accident occurring in private life situation, but with the exclusion of any event arising out of the use, possession or safe-keeping of a motor vehicle, the Insurer will provide for the defence of the Insured in legal proceedings against him for civil liability to the Civil Laws in force in the country. In any case, the counsel and/or lawyer appointed by the Insurer shall act in a legal capacity for the Insured without any recourse to, responsibility of, indemnification by Insured by reason of its appointment of counsel and/or lawyer. The counsel and/or lawyer's fees will be settled by Insurer up to a limit of: EUR for MasterCard Standard, MasterCard Business and, VISA Classic cardholders; EUR for MasterCard Gold cardholders Advance of Cash The Insurer will advance or guarantee payment up to EUR 1500, on behalf of the Insured, in order to cover immediate expenses, in an unexpected emergency situation where the card cannot be used for payment, following a loss or theft duly reported to the appropriate authorities (CIBANK, police). If necessary in an emergency situation, the abovementioned limit can be extended, with the prior authorization of CIBANK. In any case, the Insured or any person acting on his behalf shall sign an IOU prior to any advance or guarantee by the Insurer. All sum advanced shall be repaid to the Insurer by the Insured or his legal representative or heir, as soon as he/she returns to Bulgaria and within a maximum of 2 months from the date of advance or guarantee by the Insurer. IV. EXCLUSIONS 4.1. Claims for medical or other expenses, refer to an insurance event for which the Assistance Company is not informed within 48 hours from the beginning of the insurance event and are not approved by it Any costs incurred in Bulgaria or in the domiciled country of the Insured Cost for medical examinations, medicines and treatment of a disease, which is known prior to the date of departure, as also cost for treatment and hospitalization if existing chronicle diseases Costs for repatriation, done without the prior approval of Insurer Costs exceeding reasonable and customary charges for services and needed medicines Cost for dental treatment and placement of denture or artificial teeth, for placement or replacement of fillings, for placement, replacement and repair of artificial crowns and bridge works Cost for eliminating of physical defects and anomalies, for applying of cosmetic products and procedures, aesthetic surgery, rehabilitation or physiotherapy, sanatorium-health resort or other similar treatment, costs for prostheses and corrective devices Costs for vaccination and immunizations Cost for treatment of all types of psychic, psychoneurological diseases and neuroses, for psychoanalysis, psycho therapy and for alcoholic and narcotics dependency treatment Cost for all kinds of routine medical examinations and tests which are not connected to insurance event covered by the current Special Conditions Medical treatment or care, held by Insured's family member Indemnity for accidental death for insured person under 14 years to the date of insurance event occurrence Costs for sexually transmitted diseases, as well as claims consequent upon venereal diseases or expenses, incurred directly or indirectly during treatment or diagnosis, or medical checkups, including for AIDS or AIDS related complex /A.B.C/.

4 Costs, done during trips undertaken with medical treatment purposes abroad Insured engaged in dangerous sports: horseracing, hunting, winter sports (practiced out of differentiated, safeguarded and signaled with special marking skiing tracks, incl. out of skiing drill grounds for beginners), alpinism or mountaineering (when are not climbing categorized alpine objects and are not using ropes or other specific technical equipment), potholing (when the Insured is not a member of cave-association and when are not using special techniques and equipments for caves' and abysses penetrating), skin diving, paraplanerism, parachutism (when the Insured is not a member of sports association or federation), bungee jumping, any race, speed or duration test or practice thereof, all professional sports, as well as any hazardous pursuits or activity. The Insurer shall not cover Insured s civil liability for claims, arising from realization of the above mentioned activities Trips, undertaken to countries in state of war with another country or a civil war. Losses, damages, death injuries, disability or costs, caused by war (no matter whether war is declared or not), civil war, revolution, rebellion, insurrection or civil disorder, caused by them or any hostile actions from or against a force engaged in war, terrorist actions, participation in civil riots and violence of any kind The Insurer or the Assistance company are not liable for delays or non execution of their responsibilities, if they are caused by strikes, explosions, demonstrations, restrictions of the free movement, sabotage, terrorism, civil war or war (no matter whether the war is declared or not), the consequences of a radioactive radiation or any other unexpected difficulty. The Assistance Company shall not be responsible for not providing and/or not appropriate providing of the obligations (delays, failures, etc) of the external suppliers in respect of the quality of the medical assistance, but is responsible for the organization of the services of AXA Air-travels, which are not done as an aircraft passenger on a regular or charter flight with a valid air ticket Any legal liability of whatsoever nature caused or provoked by: а) Ionizing radiation or contamination by radioactivity or nuclear waste resulting from the combustion of nuclear fuel. b) Radioactive, toxic, explosive and other hazardous materials of any explosive nuclear components thereof. c) pressure waves caused by aircraft and aerial devices travelling at sonic or supersonic speeds The Insured's suicide or commitments therefore, deliberate self-injury or intentional exposure to accident, excluding those when the Insured endangers his/her life or health in order to save another person Insured who participated intentionally in unlawful acts or initiated fighting, costs made as a result of criminal or felonious action of the Insured, etc., or Insured who puts up resistance to authorities Insured under effect of alcohol, narcotics or other drug substances or its analogue, or suffers from alcohol and/or narcotics dependence Insured who drove vehicle without driving license (did not possess or it was temporary taken away) The Insurer shall not pay indemnification for permanent total disablement as a result of accident, as well as medical expenses or treatment to persons with lost disability over 50% Circumstances which could bring to a claim and have been known to the Insured at the time of the trip's commencement Cost and/or indemnities payable on other insurance policies, mandatory and/or voluntary medical program or other medical schemes No indemnity shall be paid for pregnancy costs or any costs related to pregnancy condition, abortion inclusive. Medical expenses shall be covered only in case of Insured's life threatening events, provided that from the date of the Insured's trip commencement two months remain to the estimated date of delivery Insured s traveling against medical advice Deliberate acts of the Insured Death occurred during death sentence fulfillment Amenability by contract Death or bodily injury of an Insured's family member Liability for malicious damages, caused by the Insured, act of terrorism inclusive Insured's responsibility, connected with use, possesion and exploitation of a motor vehicle, vessels, aerial device or Insured's own property as well as all kinds of weapons Responsibility resulted from Insured s official or professional activity Responsibility for infectious disease transmission Fines or penalties, imposed on the Insured Transportation of hand luggage, taken by the Insured in the aircraft Loss or damage of luggage, taken into custody, confiscated or reasonably destroyed by the customs authorities Losses and damages of luggage, caused deliberately or done with the Insured's approval Transportation of luggage to countries in state of war with another country or a civil war Losses and damages of the luggage, caused by war (no matter whether the war is declared or not), civil war, revolution, rebellion, insurrection or civil disorder, caused by them or any hostile actions from or against a force engaged in war, terrorist actions, participation in civil riots and violence of any kind. V. INSURANCE PERIOD, COMMENCEMENT AND TERMINATION OF THE INSURANCE

5 The insurance is valid for unlimited number of trips outside the territory of Republic of Bulgaria during the period of 12 consecutive months, reckoned from the date, indicated as a commencement of the insurance certificate. In case, the validity of the bank card is less than 12 (twelve) consecutive months, the insurance policy is valid until validity expiration of the bank card. The duration of any single trip should be no longer than 92 consecutive days The inception of the insurance coverage for every single trip starts from the date of crossing the Bulgarian border when leaving the country and expires within 92 days, by returning of the Insured in Bulgaria (whatever of the two events occurred earlier), or with the expiration of validity period of the insurance, pointed in the insurance certificate. VI. INSURANCE PREMIUM The amount of the insurance premium shall be calculated in EURO, on the basis of the Insurer's tariff. The premium shall be paid by CIBANK a single time in BGN at the rate of Bulgarian National Bank for 1 EURO at the date of payment of the insurance. Payment by installments shall not be applicable. VII. COMING INTO EFFECT OF THE INSURANCE CONTRACT The insurance coverage shall come into effect on the date of bank card activation provided that the insurance premium is payed, unless otherwise is provided in written by the parties of the insurance. VIII. CLAIMS PROCEDURE AND REQUIRED DOCUMENTS 8.1. In case of an insurance event the Insurer shall provide the Insured with: names of doctors specialists, dentists, addresses of hospitals, medical centers, pharmacies, ambulances etc.; shall give simple medical advices for the actions to be taken before paying a visit to a doctor. It shall also provide relevant medical and health-state information to other parties, including the family of the Insured Within 48 hours from the occurrence of the insurance event, the Insured is obliged to inform the Assistance Company by using the written in the Certificate telephone number of 24 hours-a-day Service center of the Assistance Company After confirming the validity of the Policy from the Insurer and giving all the necessary original documents by the Insured, the Insurer shall pay medical services rendered to the Insured When laying claims to DZI-General insurance Plc. for payment of indemnity for medical expenses done, Insured should fill in notification for an insurance event occurred and request for payment of Indemnity. Insured shall submit all documents required by the Insurer in originals To lay a claim for reimbursement of costs related to transportation or bodily remains or ashes, a formal Death Certificate and a Certificate (examination) for the cause of Death shall be presented to the Insurer. The documents will be considered as valid if issued from the authorized by the Insurer doctors To lay a claim for the additional covers Luggage retrieval and Loss of luggage a written declaration and/or certificate from the Airline carrier as well as the original invoices shall be requested by The Insurer Insurer has right to request additional proves for the reasons and amount of the Insured's claim In case, at the occurrence of insurance event, it is found that the insured person has other insurance contracts with the same covered risks, the Insurer will be responsible in the proportion the insurance limit corresponds to total insurance sum from all insurances For claims settlement under the insurance, concluded according to these Special conditions, shall be applied the Insurer's internal rules and technical instructions for claims procedure of the insurance. IX. RIGHTS AND OBLIGATIONS OF THE PARTIES AS PER INSURANCE CONTRACT 9.1. Insured is obliged within 48 hours to inform the Assistance Company for the occurrence of the insurance event. The Insured should obey to all instructions given by Assistance Company including referred medical institutions and the name of the doctor he/she should address The Insured should present the insurance Certificate issued by DZI-General Insurance Plc. in the medical institution upon being examined and receiving medical care. Insured is obliged to report to Assistance company his/her name, ID number, cardholder number, pointed in the insurance certificate, insurance period, his/her location and the character of problem and to present in hospital the Insurance Certificate issued by DZI General Insurance Plc The Insured shall supply on request of the Insurer additional information in order to ascertain the circumstances that caused the occurrence of the insurance event and to contribute to the assessment of reimbursement. For claims under this Policy, Insured shall authorise the Insurer to obtain necessary information from third parties (medical institutions, doctors etc.), releasing these parties from the obligation of confidentiality for the respective case Upon the occurrence of insurance event that might give rise to a claim under this Policy, the Insured shall take all reasonable precautions to limit the effects thereof and shall follow Insured's instructions If the Insured does not fulfill his/her duty under the current Special Conditions and this leads to occurrence of an insurance event or he/she impedes

6 6 the process of finding out the reasons for the insurance event occurred and/or presents documents with misleading information connected to the claim made, to the circumstances which had brought to and/or for assessment of the compensation, the Insurer has the right to deny or to decrease the amount of the insurance indemnity Insurer assesses the amount of the insurance indemnity on the basis of the submitted by the Insured medical documents. The insurance indemnity is calculated in EUROS and is paid in BGN at the rate of Bulgarian National Bank, to the date of payment of indemnity The Insurer shall reimburse the claimed by the Insured costs for medical treatment in 15-days term after submitting the originals of all the necessary documents for the settlement of the grounds and amount of the claim. X. PRESCRIPTION Every claim in respect of a covered insurance event shall be time barred according to the five year expiration from the date of the insurance event's occurrence. XI. SUBROGATION If the caused damage is through third person's fault, Insurer shall enter into the rights of the Insured against harm causer to the extent of the costs incurred or indemnity paid. The refusal of the Insured of his/her rights against third parties has no legal power for the Insurer s execution of regress rights. XII. CLOSING PROVISIONS The applicable law on these Special Conditions is the law of Republic of Bulgaria In case of dispute between the parties of the insurance contract, the relations shall be settled with negotiations and in case of disagreement - from the competent Bulgarian court In any interpretation the Bulgarian language version of the Special Conditions shall prevail. XIII. DEFINITIONS The definitions, used in the present Special Conditions have the following meanings for the insurance's purpose: Insured an individual domiciled or residing in Bulgaria and a holder of a valid Card, issued by CIBANK JSC Card a valid MasterCard or Visa Classic bank card issued to a cardholder by CIBANK JSC. For the purpose of This Special conditions, a valid card is one that is activated, has been received by the cardholder, has not expired and the cardholder can perform transactions with it on the date the insurance event occurred and after that Card Issuer - CIBANK JSC Cardholder an individual, residing in the country of the Card Issuer to whom the Card Issuer has issued a Card Acute illness a sudden and unforeseeable illness begun after insurance policy conclusion on the territory of the foreign country, in which the Insured is being Accident sudden event caused by elemental, external and visible means, occurred during the period of the insurance and caused bodily injury or death to the Insured Emergency stomatological treatment stomatological treatment for relieving acute toothache as a result of an accident or acute stomatitis (pulpitis, parodontitis and abscess) Bodily Injury - bodily injury of the Insured caused solely and directly by violent, accidental, external and visible means, excluding illness or disease, and occurring after the beginning of the journey abroad undertaken by the Insured during which such bodily injury gives rise to a request for assistance by the Insured or his representatives Loss of an eye permanent and irrecoverable loss of sight in such eye Loss of a limb physical loss of arm/ hand or leg/ foot Permanent total disablement completely lost ability for realizing of any work activity as a result of functional deficit of organs and systems in the organism Claim - laid by the Insured claim, incurred in connection with the occurrence of an unpredicted insurance event, concerning his/her health condition, led the use of urgent medical assistance abroad Relative - Insured's father, mother, child, spouse or concubine, brother, sister Act of terrorism use of force or violence and/or threat, addressed against person or group of persons, regardless whether acts independently or on behalf of the organization or government, done by political, religious, ideological or other similar reasons, inclusive the intention for influence on the government and/or setting the society or part of the society in fear Luggage objects or personal belongings (at Insured's own, borrowed or leased), taken or bought from the Insured and registered for transportation of the Aircraft carrier. The present Special conditions are accepted with a decision of DZI General Insurance Plc. Management Board and are in force from